I did say maximize annual income, which OSS does not do.That is not true. You can only say that if you know when each of you is going to die. Opensocialsecurity gives you insight on that from an actuarial perspective. It’s up to you to decide what to do with that based on the rest of your financial picture.
If a couple wants to truly maximize annual SS income, then there is one answer: each should claim at 70. Few couples do that.
Cheers
Also, my answer should be amended, since lower earner may max out at spousal benefit, therefore waiting past FRA may not matter.
Statistics: Posted by Tom_T — Mon Jan 05, 2026 8:47 am — Replies 36 — Views 2420